6 Instant-Approval Credit Cards

Find a credit card application that will get you instant approval.

When you need a credit card fast for an emergency — or you just can't wait — consider instant-approval credit cards. People who have excellent credit are likely to be approved for any instant credit card. If you have poor credit, finding instant-approval credit cards for bad credit and no deposit might be challenging, but it's still possible.

Keep in mind, however, that instant credit card approval doesn't always mean instant use. It typically takes five to seven days to receive your new card, unless you're able to get an instant virtual credit card.

Even if you're looking for instant credit card approval and use, take some time to shop around and compare offers. That way, you can get the best credit card deal.

Here are the best instant approval credit cards of 2017:

Best Instant-Approval Credit Cards
Credit CardApproval TimeHow to Apply
OpenSky Secured Visa Credit CardApprox. 10 minutesLearn More
Blue Cash Everyday Card From American ExpressSometimes within 60 secondsLearn More
Amex EveryDay Credit CardSometimes within 60 secondsLearn More
Premier Rewards Gold Card From American ExpressSometimes within 60 secondsLearn More
Total Visa CardSometimes within 60 secondsLearn More
Capital OneCapital One Secured MasterCardSometimes within 60 secondsLearn More
OpenSky Secured Visa Credit Card

1. OpenSky Secured Visa Credit Card

Approval time: About 10 minutes

The OpenSky Secured Visa card is easy to get and use. You won't be subject to a credit check, and there's a quick, four-step credit card approval process. The interest rate also is competitive. Because it's a secured credit card, you have to provide a security deposit. Funding options are flexible, as you can use any of the following methods:

  • Debit card
  • Funds wired from your bank
  • Western Union
  • Check or money order mailed in

The card helps you establish and build credit by making timely payments. The APR is 18.14 percent. Apply now, and you could have your credit card approval in within 10 minutes.

Blue Cash EveryDay Card from American Express

2. Blue Cash EveryDay Card from American Express

Approval time: Sometimes within 60 seconds

You'll get cash back annually from the Blue Cash EveryDay Card from American Express in the following categories:

  • Cash back at supermarkets
  • Cash back a at U.S. gas stations and select department stores
  • Cash back for everything else

In addition, travel benefits include car rental loss and damage insurance, accident insurance and roadside assistance hotline access. Other perks include fraud protection, extended warranty protection for your purchases and theft and accidental damage insurance.

Read: What Type of Credit Card Should I Get?

Amex EveryDay Credit Card

3. Amex EveryDay Credit Card

Approval time: Sometimes within 60 seconds

Like the American Express Blue Cash Everyday Card, the Amex EveryDay Credit Card has no annual fee.

Perks include:

  • Car rental loss and damage insurance
  • Roadside assistance hotline access
  • Travel accident insurance
  • Extended warranty protection
  • Event ticket presales

Rewards will net you points at U.S. supermarkets. You'll also get points on all your other purchases. Just make sure to use your rewards points wisely.

Premier Rewards Gold Card from American Express

4. Premier Rewards Gold Card from American Express

Approval time: Sometimes within 60 seconds

One way to avoid paying credit card interest is to choose a card like the Premier Rewards Gold from American Express, which requires you to pay off your balance each month. The annual fee is steep, but it's waived for the first year.

Benefits include:

  • Points for airfare tickets you buy directly from an airline
  • Points when you use the card at U.S. restaurants, supermarkets and gas stations
  • Points on all of your other purchases

In addition, you can receive cash back per calendar year in statement credits for qualified airlines' incidental fees — like baggage charges — that you charge to your card.

Related: 10 Best Credit Cards for Bad Credit

Total Visa Card

5. Total Visa Card

Approval time: Sometimes within 60 seconds

The Total Visa Card is one of the best credit cards for fair credit — or even poor credit — and one of the easiest credit cards to get. You can complete an easy, fast application online, and the credit card issuer might approve you within 60 seconds. Once you're approved, you'll have to pay an $89 processing fee before you're able to access your available credit.

The APR is steep at 29.99 percent, you'll have to pay an annual fee of $75 the first year and $48 thereafter, and your credit limit will be $300. But if you've had trouble getting a card because you have a low credit score, all of this might seem like a small price to pay as you try to rebuild your credit.

Capital One Secured MasterCard

6. Capital One Secured MasterCard

Approval time: Sometimes within 60 seconds

The Capital One Secured MasterCard is another good choice for rebuilding or building credit. The card requires a refundable deposit of $49, $99 or $200, based on your creditworthiness.

Once you make your deposit, you'll receive a credit line of $200, which can be raised after you make your first five monthly payments on time.

Perks include no annual fee and access to CreditWise, Capital One's online tool that gives you access to your credit score and helps you monitor your credit profile.

Benefits include fraud coverage and 24/7 customer service available online, via a mobile device or over the phone. You also get a personalized payment system that enables you to choose your payment due date and method of paying the bill — by check, online or at a branch. The APR is 24.99 percent.

Up Next: How to Choose Between Secured Credit Cards and Unsecured Credit Cards

Methodology: GOBankingRates.com identified the instant-approval credit cards by approval time and APR. All fees and rates are subject to change at the credit card issuers' discretion. And, some offers may or may no longer be available on the credit card issuers' websites, depending on how you access the web page.

GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing company serving top-tier banks, credit unions, and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack, Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone and have not been reviewed, approved, or otherwise endorsed by the companies included in the article.

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been endorsed by American Express.